Last Modified: Feb 09, 2026
Effective: Feb 09, 2026
These Referral & Affiliate Program Terms ("Program Terms") supplement and are incorporated into the Ditch Terms of Service and Privacy Notice. By participating in any program described below, you agree to these Program Terms.
Ditch operates two reward programs:
You may participate in one or both programs, subject to the specific eligibility requirements and limits for each program.
All programs require:
Operational details (current amounts, caps, timelines, geographies, and other program specifics) may be shown in dedicated in-app program pages and are incorporated by reference here. If program details change, the in-app page reflects the current program terms and controls if there's any conflict with this document.
Reward amounts, caps, and promotional boosts may change at any time at Ditch's discretion. Changes are prospective and do not apply to rewards earned under previous terms.
The Traditional Peer Referral Program lets eligible users ("Referrers") invite friends ("Referred Friends") to join Ditch. Both parties receive a reward when a Qualified Referral occurs.
A Qualified Referral occurs when ALL of the following are met:
(i) The Referred Friend is new to Ditch (no prior account), creates an account in their own name, and signs up using the Referrer's unique referral code at signup;
(ii) Within 30 days of creating their account, the Referred Friend completes at least one Automated Payoff; and
(iii) Both accounts remain in good standing and compliant with these Program Terms.
Self-referrals, duplicate or fictitious accounts, referrals by or to the same person/household, incentivized or paid traffic (ads, coupon/deal sites, marketplaces) unless expressly allowed by Ditch, bulk/unsolicited messaging, or suspected fraud/abuse are not eligible.
For each Qualified Referral, both the Referrer and the Referred Friend receive the Referral Bonus Amount displayed on the in-app Referral page (currently $10).
Payment Method: Ditch will make a separate payment (a "Referral Bonus Payment") to each party's chosen Debt Focus account; it will not be combined with any other Automated Payoff.
Amount in Effect: The Referral Bonus Amount is determined by what appears on the in-app Referral page at the time the Referred Friend signs up with a Referrer's code.
Timing: Referral Bonus Payments typically post within 14 days after the Qualifying Automated Payoff is confirmed.
Payment Issues: If a payment cannot be completed (e.g., returned/closed account), we may retry or, at our option, apply the bonus to another eligible Debt account you select.
Non-Transferable: Rewards are personal, non-transferable, and are not redeemable for cash, gift cards, or credits. We may substitute a reward of equal value.
Withholding/Cancellation: We may withhold, cancel, or reverse rewards for returns/chargebacks, failed or reversed Payoffs, account closures, or policy violations. We may request identity, eligibility, or fraud-prevention documentation within a specified timeframe before paying; failure to provide may result in withholding or cancellation.
Set-Off: To the extent permitted by law, we may set off any amounts you owe us against Referral Bonus Payments.
Per Person: The Traditional Peer Referral Program is capped at $100 total or 10 Qualified Referrals per calendar year (whichever occurs first).
Cap Flexibility: Ditch may modify caps prospectively or, at our discretion, raise individual caps based on program performance or promotional campaigns.
Keep it honest and non-spammy: Only share with people you know and who would reasonably expect to hear from you.
Required Disclosures: If your post or message could be seen as an endorsement, you must clearly disclose you may receive a reward (e.g., "I may get $10 from Ditch if you join with my code").
Prohibited Activities: Do not buy ads using Ditch trademarks, post referral codes on coupon/deal sites, impersonate others, or scrape/sell codes.
Personal Use Only: The program is for individual, personal use only. No commercial use, paid search ads, affiliate/coupon networks, or public code repositories.
High-Volume Referrers: We may, at our discretion, move high-volume or commercial referrers to a separate partner/affiliate program or end participation.
Current State: Ditch does not collect invitee contact information until someone creates an account.
Future Invite Tools: If we add invite tools later, you may be able to send invites via Ditch by entering contacts or letting us send on your behalf. If so:
See our Privacy Notice for more.
The TikTok Affiliate Program ("TikTok Program") allows eligible Ditch customers to create promotional content on TikTok and earn performance-based payments based on video view counts.
To participate in the TikTok Program, you must:
Content paid for by other campaigns or programs is not eligible to accrue earnings through the TikTok Affiliate program.
Step 1: Create Content
Step 2: Submit for Review
Step 3: Automated Review
Step 4: View Tracking & Payment
Tiered Payment:Payments are calculated based on view count tiers:
Example Calculation:A video with 30,000 views would earn:
Per-Video Cap: Maximum payment per video is $250
Annual Program Cap: Maximum total earnings from the TikTok Program per calendar year is $600
Payment Method: Payments are made via ACH to your linked destination account (debt focus) as a separate transaction.
Payment Timing: Payment is made 30 days after video approval, based on total views accumulated during the 30-day tracking window.
Multiple Videos: You may submit multiple videos. Each approved video is tracked and paid separately, though Ditch reserves the right to bundle payments for administrative efficiency.
Payment Requirements: You must have a valid linked checking account at the time of payment. If your checking account is closed, invalid, or payment fails, you will not receive payment for that video. We may retry or request updated payment information at our discretion.
Minimum Payout: The minimum payout is $5 (requires at least 1,000 views).
Required Elements:
Prohibited Content:Your video will be rejected if it contains:
Approval Process:
Retroactive Rejection: Ditch reserves the right to retroactively reject and withhold payment for any video if we discover it violates these Content Guidelines after initial approval, even if views have already accumulated.
Resubmission: If your video is rejected, you may resubmit. However, you must delete the original video and post a new version that complies with the guidelines. The new video will be treated as a new submission with a new 30-day tracking window.
IMPORTANT LEGAL NOTICE: The TikTok Affiliate Program involves paid sponsorship. Under Federal Trade Commission (FTC) law, you are legally required to clearly and conspicuously disclose your material connection with Ditch when creating promotional content.
Your Obligations:
Ditch's Recommendation:While we require #DitchPartner, we strongly recommend you also include #ad or #sponsored in your video description, or use TikTok's built-in "Paid Partnership" label, to ensure full FTC compliance. Many creators find that clear disclosure builds trust with their audience.
Disclosure Placement:Disclosures should be clear, conspicuous, and not buried in hashtag strings. Consider placing disclosure hashtags near the beginning of your description and/or verbally mentioning your partnership with Ditch in your video.
Your Responsibility:By participating in the TikTok Program, you acknowledge that:
Indemnification:You agree to indemnify and hold harmless Ditch from any claims, damages, or liability arising from your failure to make adequate disclosures or comply with applicable advertising laws.
Ownership: You retain ownership of all content you create and post on TikTok.
Ditch's Rights:By submitting a video to the TikTok Program, you grant Ditch a non-exclusive, royalty-free, worldwide license to:
Paid Advertising Use:Ditch may NOT use your video in paid advertising, sponsored content, or other commercial marketing without obtaining a separate written license agreement from you. If we wish to use your content in paid marketing, we will contact you to discuss terms.
Content Duration:There is no requirement for your video to remain live on TikTok after the 30-day tracking window. However, if you delete your video during the 30-day tracking window, view tracking will stop and payment will be based on views accumulated up to the deletion date.
No Clawback:If you delete your video after payment has been made, Ditch will not claw back or reverse the payment.
Account Validity:Your TikTok account must remain active and in good standing throughout the 30-day tracking period.
Deleted/Banned TikTok Accounts:If your TikTok account is deleted, suspended, or banned during the 30-day tracking period, you will not receive payment for any pending videos. View tracking will stop and payment will be forfeited.
No TikTok Requirements:There are no minimum follower count, account age, verification status, or other TikTok-specific requirements to participate.
Prohibited View Manipulation:You may NOT engage in any activity designed to artificially inflate view counts, including but not limited to:
Investigation Rights:Ditch reserves the right to:
Consequences of Fraud:If Ditch detects or suspects fraud, view manipulation, or other violations:
General Terms Violations:Violation of Ditch's general Terms of Service also disqualifies you from the TikTok Program and may result in forfeiture of pending payments.
There is no limit on the number of videos you may submit, subject only to the annual program cap of $600. Once you reach $600 in total earnings for the calendar year, no additional videos will be eligible for payment until the following calendar year, unless an exception is granted by Ditch..
Ditch's determination of view counts based on TikTok API data is final and binding. If you believe view counts are being tracked incorrectly, contact Ditch support through the in-app messaging system or at help@ditch.io.
Traditional Peer Referral Program Cap: $100 per calendar year (or higher if individually adjusted)
TikTok Affiliate Program Cap: $600 per calendar year
Combined Participation: If you participate in both programs, your combined earnings may reach up to $1,200 per calendar year under current caps.
2026 Tax Threshold: For calendar year 2026, the IRS threshold for issuing Form 1099 is $2,000. Ditch has set program caps to keep individual participants below this threshold under normal circumstances.
Tax Onboarding: If your combined rewards across all programs approach or exceed IRS reporting thresholds, Ditch may require you to complete tax onboarding (e.g., providing a completed Form W-9). Failure to complete required tax documentation may result in withholding of payments or account suspension.
Tax Responsibility: You are responsible for reporting and paying any applicable taxes on rewards received. Rewards may be considered taxable income. Consult a tax professional if you have questions.
Referral links, codes, and program access are Ditch's property and are licensed to you for personal, lawful use only.
Participation in any Ditch program does not create an employment, independent contractor, partnership, joint venture, or agency relationship with Ditch. You may not represent that you speak for Ditch or make claims beyond our published materials.
Ditch may change, pause, or end any program at any time, with or without notice.
If we make changes:
Suspension/Termination:Ditch may suspend or terminate your participation in any or all programs if:
Program Interpretation:All decisions regarding program interpretation, eligibility, reward calculation, and policy enforcement are in Ditch's sole discretion and are final and binding.
These Program Terms are governed by—and disputes are resolved under—the Dispute Resolution and Governing Law sections of the Ditch Terms of Service.
Any disputes arising from or relating to these Program Terms or your participation in any Ditch program will be subject to the arbitration provisions in the Ditch Terms of Service.
Severability: If any provision of these Program Terms is found to be unenforceable or invalid, the remainder remains in effect.
Entire Agreement: These Program Terms, together with the Ditch Terms of Service and Privacy Notice, constitute the entire agreement between you and Ditch regarding the programs described herein.
Defined Terms: Capitalized terms not defined in these Program Terms have the meanings set forth in the Ditch Terms of Service.
Waiver: Ditch's failure to enforce any provision does not constitute a waiver of that provision or any other provision.
If you have questions about these Program Terms or any Ditch program, please contact us:
For TikTok Affiliate Program-specific questions, visit the TikTok Affiliate Program page in the Ditch app.
For FTC disclosure guidance, visit: https://www.ftc.gov/business-guidance/resources/disclosures-101-social-media-influencers
End of Referral & Affiliate Program Terms